Ageas car insurance review

Compare Ageas' comprehensive car insurance policy against competitors, see pros and cons of cover and find out how to save on your insurance.

3.8 ★★★★★ (153 reviews) Write a review

Our verdict

If you’re looking for a comprehensive car insurance policy, Ageas has many helpful benefits included as standard. There is also access to a 24/7 legal helpline and a 24/7 claims line.

Only comprehensive cover is available for cars, so those wanting to take out third party only or third party, fire and theft cover will have to look elsewhere.

Get started by visiting Ageas and sign up for a policy. If you have read this review and decided that Ageas car insurance is not for you, you can also compare other car insurance policies on the market.

Pros
  • Many benefits covered as standard, including courtesy car and onward journey costs
  • Lifetime guarantee for approved repair work
  • 24-hour claim line and motor legal advice helpline available
Cons
  • No third party only or third party, fire and theft cover available for cars

With Ageas you can only get comprehensive car insurance, which includes a courtesy car, European cover and onward journey assistance. In this review, we look at what Ageas will cover you for in detail, the claim process and how you can save on your policy.

Who is Ageas?

With roots going back as far as 1824, Ageas is one the biggest insurers in the UK with more than 3 million customers. It is part of an international group too.

If you like a human touch it has a 24/7 in-house claims team. Meanwhile you get a lifetime guarantee on any repairs done by one of its approved garages.

Who underwrites Ageas car insurance?

For the most part Ageas Insurance Limited underwrites its own car insurance policies. Yet legal expenses are underwritten by AmTrust Europe Limited.

Take a look at an Ageas car insurance policy document on its website for more details.

What’s covered under my policy?

Cover benefitsComprehensive
Fire and theft
Personal belongingsUp to £300 per accident
Personal accidentUp to £10,000
Lifetime guarantee for approved repair work
Accidental damage
Courtesy car cover
Windscreen cover
European car insuranceUp to 90 days
In-car entertainment coverUp to £300 for equipment fitted to the car
Onward journey costs
Replacement locks and keys
24-hour motor legal advice helpline

Optional extras

Ageas also has a number of extras to add to your cover. Optional extras include:

  • Legal expenses cover
  • Breakdown cover
  • Replacement vehicle cover
  • No-claims bonus protection
  • Key cover
  • Excess protection cover

What are Ageas’ different policies?

Ageas only offers 2 comprehensive policies: Essentials and Standard. It also offers van insurance, which is available as third party, fire and theft and comprehensive.

How do I make a claim?

You can speak to Ageas’ claims team all year round and every hour of the day by calling 0345 165 5796.

It’s a good idea to have your insurance details and information about your claim to hand when getting in touch.

For windscreen claims you should call 0345 165 0581 instead though. Likewise you’ll need a different number if you have a personal accident claim, a legal protection claim, a breakdown or you’re calling from abroad. Check the Ageas website to find out the contact details.

What is my excess?

An excess is the amount of money you have to pay towards a claim before the insurance money kicks in. Usually this excess fee won’t be any higher than £350 and the point of it is to stop customers making frequent claims for small repair jobs.

By volunteering to have a higher excess you can lower your insurance premiums, although you need to make sure you can afford to pay the fee should you need to make a claim.

Customer reviews for Ageas car insurance

Customers who took part in Finder’s 2023 customer satisfaction survey were mostly positive about Ageas, with many highlighting its “reliable” customer service and competitive cover options. However, some did not like the high premiums.

One customer said, “My insurance was easy to set up, and they offered the best quote for my needs.

Ageas received an overall customer satisfaction score of 4 out of 5, and 79% of customers would recommend the brand to a friend.

On reviews site, Trustpilot, Ageas scores 4.0 out of 5 from almost 16,000 which is a “Great” rating.

How to cancel Ageas car insurance

You can cancel your policy online. There is a 14-day cooling-off period when you purchase a policy. If you cancel after that there is a £50 cancellation charge. You’ll also be charged for the amount of cover you’ve used.

Frequently asked questions

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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